上海现代服务业联合会会长孙建平表示，长三角作为我国经济发展的"排头兵"，在新质生产力建设中肩 负重要使命。信用服务作为现代服务业的重要组成部分，是规范市场秩序、降低交易成本、激发创新活 力的核心工具。他强调，长三角信用论坛将持续整合政府、企业、科研机构资源，推动信用服务与数字 经济、绿色低碳、科技创新深度融合，以信用赋能新质生产力有效发展，助力长三角成为全球具有影响 力的区域增长极。 上海市发展和改革委员会社会信用推进处处长袁登全以《上海社会信用体系建设的阶段性实践与思考》 为主题展开分享，系统梳理了上海在社会信用体系建设领域的阶段性成果——从信用信息平台搭建、跨 部门数据共享，到信用应用场景拓展的具体实践，同时深入剖析了上海推进信用建设的核心路径，为各 地探索信用体系高质量发展提供了"上海经验"与实践参考。 第四届长三角信用论坛日前在同济大学举办。本届论坛由上海市信用服务行业协会、同济大学、长三 角"一带一路"高质量发展促进会、上海全球城市研究院、上海现代服务业联合会、中国金融信息中心联 合主办，同济大学经济与管理学院承办。 同济大学党委常委、副校长石振明表示，高校作为科研与人才培养的核心阵地，将充分发挥学 ...

Core Viewpoint - The beef cattle farming industry in Guyuan City, Ningxia, is a key agricultural sector that supports poverty alleviation and rural revitalization, with a projected cattle population of 1.06 million by the end of 2024, accounting for 43.27% of the region's total [1] Financial Support and Policy Measures - The People's Bank of China (PBOC) in Guyuan has implemented targeted financial policies to support the healthy development of the beef cattle industry, including measures to prevent financial institutions from withdrawing loans from farmers and agricultural enterprises [2] - As of the end of August, the balance of loans for the beef cattle industry reached 17.57 billion yuan, with a weighted average interest rate of 4.20% [1][2] - The city has established a mechanism for government and financial institutions to connect with key projects, enhancing the financing capabilities for small and micro enterprises [2] Credit System Development - The PBOC has expanded its credit system by implementing a "credit + loan" model, with 25 credit towns, 445 credit villages, and 130,500 credit users established, resulting in a loan balance of 879 million yuan for new agricultural entities [3] - The Agricultural Bank of China has promoted a model of "integrated village credit" to support cattle farmers, leading to the establishment of credit archives for 1,841 new agricultural entities [3] Innovative Financing Products - The local government has introduced policies to facilitate live cattle collateral loans, enhancing risk management and efficiency in financing [4] - As of now, approximately 5,500 cattle have been registered in the collateral system, with 44 million yuan in live cattle collateral loans issued [4] - Innovative loan products like "Smart Animal Husbandry Loan" have been developed, providing low-cost financing while promoting digital management of livestock [4] Risk Prevention and Coordination - Financial institutions are encouraged to conduct on-site investigations to assess funding needs and monitor loan quality, aiming to prevent potential defaults [6] - A comprehensive financing model combining government support, bank loans, collateral, insurance, and re-loans has been proposed to mitigate credit risks [6] - As of the end of August, 169,300 cattle have been insured, providing risk coverage of 1.645 billion yuan for 10,200 farmers [6]

9月17日，包头市政务服务大厅里，李女士正在办理动物诊所开业手续。她原以为要辗转多个窗 口、准备厚厚一沓材料，却意外地在"一件事"专窗前收获了惊喜——只需填写一张综合申请表，精简了 25%的材料，压缩了80%的办理时限。窗口工作人员微笑着告知："您的信用评级良好，可以享受绿色 通道。" 包头市信用体系建设制度创新的深层价值正在显现。知识产权代理行业完成首轮信用分级，37家代 理机构被贴上信用标签；食品销售领域风险分级管理覆盖全市17452户经营单位，就连集贸市场的秤杆 都链接到诚信计量系统。这种全方位、立体化的信用监管网络，正在构建"守信降频次、失信严惩戒"的 差异化监管新格局。 更值得深思的是，包头探索的本质是政府治理模式的转型升级。通过建立跨部门信用数据池，打破 40个领域的信息壁垒，政府正在从传统的"事前审批"转向"事中事后监管"，从"被动响应"转向"主动服 务"。这种转变释放出双重红利：一方面显著降低制度性交易成本，另一方面有效提升市场监管效能。 据测算，信用应用改革每年可为市场主体节约大量占用成本和资金，同时使监管精准度明显提高。 这场变革的社会效应正在持续扩散。当消费者凭借"四色标签"做出购买选择 ...

Group 1: Government Integrity and Credit System - The provincial government has been actively addressing government integrity issues by implementing a special rectification of government commitments, focusing on serious credit violations for five consecutive years [1][2] - The establishment of a comprehensive social credit system is crucial for creating a favorable business environment, with the province leading in credit system innovation nationally [2] - The government has developed mechanisms to rectify credit violations, including a hotline for reporting breaches and a systematic approach to resolving overdue payments to private enterprises [2][3] Group 2: Investment and Business Environment - The province is enhancing its investment environment by conducting special rectifications in the investment attraction sector and establishing regulations to standardize investment practices [3] - Efforts are being made to improve credit repair processes for enterprises, with a reported 24.8% increase in credit repair cases handled through the "Credit China (Liaoning)" platform this year [3] Group 3: Human Resources and Policy Support - The provincial government is focusing on human resource supply and policy support to drive high-quality regional development, with over 40 new employment policies introduced this year [4] - A total of 96 provincial-level economic development zones are in place, with reforms aimed at enhancing resource allocation and operational efficiency [4][5] Group 4: Intellectual Property and Innovation - The province is strengthening legal protections for intellectual property, with the introduction of local regulations aimed at enhancing innovation and protection mechanisms [5][7] - A rapid collaborative protection system for intellectual property has been established to support private enterprises, with over 86% of registered innovative entities being private companies [7] Group 5: User Experience and Financial Accessibility - The government is prioritizing user experience in the business environment, particularly in addressing financing challenges for small and micro enterprises [6] - In the first half of the year, the province identified 1.29 million small and micro enterprises, with a total credit of 208.7 billion yuan and loans amounting to 165 billion yuan, reflecting a 21.5% year-on-year increase in inclusive small and micro loans [6]

Core Viewpoint - The article highlights the innovative credit system established by the People's Bank of China in Sanmenxia, which simplifies the loan application process for farmers and enhances access to financing through a dynamic credit evaluation system [1][2][4]. Group 1: Credit System Innovation - The Sanmenxia branch of the People's Bank of China has developed a dual platform for inclusive finance and rural revitalization, incorporating over 4,000 new agricultural operators into a database to address information asymmetry in agricultural financing [1][2]. - A new credit evaluation module has been implemented, managing over 7,000 agricultural entities and cleaning up more than 2,000 abnormal entities, thereby breaking down data barriers between departments [2][3]. - The platform integrates various agricultural credit information from multiple departments, using AI algorithms to create accurate profiles of farmers and agricultural operators, achieving near-complete coverage of agricultural entities [3]. Group 2: Financial Products and Services - The bank has introduced specialized credit products such as "Rural Revitalization Guarantee Loan," "Mushroom Loan," and "Planting Loan," which leverage both the credit status of farmers and a guarantee mechanism to mitigate credit risks [4]. - A new service mechanism combining online intelligent matching and offline precise connections has been established, significantly reducing the average loan approval time for new agricultural operators [4]. - The comprehensive launch of the rural revitalization financial service platform is creating a "smart finance" landscape in Sanmenxia, where data-driven processes reduce the need for farmers to travel for financial services [4].

Group 1 - The credit system significantly influences economic operations and personal lives, with a focus on how credit can be transformed into assets [2] - The Guangdong province has over 7 million enterprises, predominantly small and medium-sized, facing challenges in financing due to credit information asymmetry [2] - The National Development and Reform Commission has established a national financing credit service platform to help small and medium enterprises exchange credit for loans [2] Group 2 - The State Council issued an implementation plan in 2024 to enhance the financing convenience for small and medium enterprises through a well-coordinated credit service platform [3] - Strengthening credit information application will support financial institutions in managing clients and innovating products, reducing reliance on collateral [3] - The implementation plan aims to develop more tailored financial products and services for diverse needs of small enterprises and farmers [3] Group 3 - Current challenges in credit information usage include issues related to credit repair and disputes over public credit information [4] - The State Council's implementation plan for credit repair aims to create a unified and efficient credit repair system, addressing key difficulties [4] - Credit repair applications can be submitted through the "Credit China" website, with warnings against credit repair scams [4] Group 4 - Financial institutions are developing specific products and services to convert intangible credit into tangible assets, as demonstrated at the Guangdong Enterprise Integrity Construction Conference [4][5] - The Agricultural Development Bank of Guangdong Province promotes policy-based financial products with favorable interest rates across various sectors [5] - The "Xinyi Loan" platform categorizes financial products by scenarios, facilitating quick access for enterprises [5] Group 5 - The conference emphasized that convenient financing is not without standards, and norms and responsibilities are prerequisites for transforming credit into assets [5] - The Guangdong Enterprise Federation and the Guangdong Entrepreneurs Association issued an initiative to promote high-quality development and resist "involution" competition [6] - Future efforts will focus on enhancing the integrity management system and fostering a culture of trust within enterprises [6]

Core Viewpoint - The article discusses the implementation of a new credit repair initiative by the Qiqihar Market Supervision Administration in Heilongjiang Province, aimed at optimizing the business environment and enhancing the credit system through innovative measures [1][2][3]. Group 1: Credit Repair Measures - The initiative introduces seven credit repair measures, including a "commitment deficiency, immediate application" model to facilitate easier credit repair for businesses [1]. - The "commitment deficiency" mechanism allows businesses to proceed with applications even if certain documents are missing, utilizing the Heilongjiang Provincial Market Supervision Comprehensive Business Management System for verification [1][2]. Group 2: Service Optimization - The "immediate application" service enables businesses to submit applications online or receive personalized assistance at government service windows, allowing for quick removal from the business anomaly list if no significant issues are found [2]. - The "post-verification" mechanism shifts the traditional process from "verification first, repair later" to "repair first, verification later," ensuring that businesses can begin the repair process without delay [2][3]. Group 3: Intelligent and Convenient Services - The "no-sense repair" function automatically triggers the repair process for businesses with expired administrative penalty records, allowing for seamless removal of negative records from the system [2]. - The "exemption application" policy provides convenience for businesses newly listed in the anomaly directory due to failure to submit annual reports, allowing them to restore credit without additional applications [2]. Group 4: Enhanced Communication and Supervision - The "two documents delivered simultaneously" system ensures that businesses receive both the administrative penalty decision and the credit repair notification at the same time, helping them understand the repair process [3]. - The initiative includes a robust follow-up supervision mechanism to address any discrepancies found during subsequent checks, potentially revoking repair decisions if commitments are not met [3].

Core Viewpoint - The "Whole District Credit Granting" model initiated by the Jining Rural Commercial Bank, guided by the People's Bank of China, aims to enhance financial accessibility and satisfaction for rural residents and small enterprises through a comprehensive credit evaluation and granting system [1][2][3]. Group 1: Implementation of the "Whole District Credit Granting" Model - The model covers all 465 villages and communities in the district, providing credit services to all local enterprises [1][7]. - Since the launch of the model, Jining Rural Commercial Bank has granted credit to 12,736 new clients, representing a 24.8% increase, with a total credit amount of 872 million yuan, a 10.1% increase [1][7]. Group 2: Data Integration and Credit Evaluation - The model integrates over 120 types of government data and 1,000 credit indicators to create dynamic credit profiles for 830,000 residents and 210,000 enterprises [2]. - A dual-dimensional credit evaluation system combining social credit and financial credit has been established [2]. Group 3: Incentive Mechanisms and Product Offerings - A positive feedback loop linking credit scores to loan amounts and interest rate discounts has been designed, where a 10-point increase in credit score can lead to a 10,000 yuan increase in loan limits [3]. - New financial products have been introduced, including "Entrepreneur Guarantee Loans" and "Intellectual Property Pledge Loans," expanding the product matrix to cover 16 different scenarios [4]. Group 4: Risk Control and Community Engagement - Risk control measures include establishing evaluation groups composed of community leaders and bank staff to assess loan eligibility [5]. - The bank has created a credit service team of over 1,000 members to facilitate financial services in communities and rural areas [4][5]. Group 5: Technological Advancements in Credit Granting - The establishment of a big data laboratory has enabled the bank to automate the credit evaluation process, reducing approval times from 3-5 days to as little as 2 hours [6]. - Online loan applications have surged, with 70% of loans processed online and a 135% increase in mobile banking applications since 2025 [6].

Core Viewpoint - Shenzhen has established the first "General + Professional" credit evaluation system for private enterprises in China, leveraging 2.7 billion public credit data points to cover 20 key industries, providing a comprehensive credit assessment for 4.4 million business entities in the city [1][2]. Group 1: Credit Evaluation System - The credit evaluation system includes five dimensions: business changes, registration permits, penalty records, complaints, and commendations, with a total of 63 core indicators [1]. - The system generates a dynamic "credit ID" for enterprises, transitioning from static proof to real-time updates [1]. - Shenzhen's credit evaluation operates on a monthly cycle, categorizing entities from the highest A+ level to risk warning E level [1]. Group 2: Data Collection Mechanism - Shenzhen has implemented a public credit data collection mechanism, achieving comprehensive data integration across 12 categories and 735 items, ensuring efficient sharing among 73 data source units [2]. - The system allows for monthly updates of credit files for business entities, reflecting their latest operational status and predicting potential credit risk fluctuations [2]. Group 3: Industry-Specific Applications - The credit evaluation system has been tailored for specific industries, with sub-models developed for healthcare, environmental protection, and construction, enhancing regulatory efficiency [3]. - The "Zhenxin+" unified social credit service platform connects various credit service applications, providing convenient access for government departments and the public [3]. Group 4: Regional and International Integration - Shenzhen's credit system is integrated into the Guangdong-Hong Kong-Macao Greater Bay Area, facilitating mutual recognition of credit evaluation results between Shenzhen and Hong Kong enterprises [4]. - The city has enabled over 3 billion yuan in credit loans for Hong Kong-funded enterprises in mainland China, addressing cross-border credit needs [4]. - Shenzhen is generating "credit electronic cards" for local enterprises, incorporating 37 internationally recognized indicators to support their international market expansion [4]. Group 5: Community and Governance Applications - The credit system has been applied in community governance, such as "credit medical services" in public hospitals, allowing eligible patients to receive treatment before payment [4]. - The "Integrity + Rental Housing" model has established detailed credit records for 173,000 rental properties, creating a national first in rental housing credit mapping [4]. - The "credit tax" application in Qianhai aims to provide more conveniences for businesses with good tax credit records [4]. Group 6: Future Directions - The Shenzhen Market Supervision Administration plans to focus on data collection and sharing, model optimization, and application expansion to create a replicable national credit reform model [5].

Group 1 - The event "Integrity Promotes Environment, Digital Finance Drives Innovation" was held in Fuzhou, co-hosted by the Fujian Provincial Integrity Promotion Association and Fujian Financial Investment Co., Ltd. [1] - The purpose of the event is to leverage credit services to support high-quality enterprise development, creating a precise matching platform for "credit empowerment + financial services" [3][4] - The launch of the "one-stop" provincial policy application platform aims to reduce financing costs and optimize the business environment, injecting strong momentum into the implementation of the private economy strategy in Fujian [3][4] Group 2 - The event featured speeches from key officials, including the Secretary of the Fujian Provincial Integrity Promotion Association and the Deputy General Manager of Fujian Financial Investment [1][3] - The "one-stop" provincial policy application platform integrates policy application and financial service functions, enhancing service efficiency for enterprises [3][4] - Fujian Financial Investment is committed to exploring new models and paths for digital financial services to the real economy, focusing on the continuous development of the "Gold Service Cloud" platform [4]